Financial Services

Risk Planning

Risk Planning

Life Cover

Life insurance or life cover is a means of ensuring that your family or dependants are financially secure in the event of a death or disability life cover is typically purchased for the following reasons:

  • Bond/debt settlement
  • Capital provision for minor children
  • Income replacement
  • Legacies

Things to consider when investing in life insurance policies:

  • How much life cover do I need?
  • How and when will my policy be paid out?
  • Are there options of having readily available cash while my estate is being wound up?

We offer affordable life insurance plans for South African’s featuring great benefits.

Risk Planning

Income Protection

Accidents & illness by their very nature are unpredictable and the severity of even a small mishap can have a long-lasting effect on your income.

An Income Protector provides you with cover against temporary & permanent disabilities or impairments. We know it’s difficult to get your life back after a major accident or illness, but we want to do everything possible to ensure you maintain a high quality of life.

An Income Protector pays the part of your monthly income that you have insured after a specified period of e.g. 7days or 1 month. Benefits will continue until insured life has recovered and are able to perform occupational duties, alternatively benefits will pay for contract term, typically until age 65 or 70. Policy monthly premiums are not tax deductible, but proceeds are exempt from income tax.

Risk Planning

Disability Cover

Disability doesn’t just affect you – it can affect your entire family as well, both emotionally and financially. We offer disability cover to help relieve the burden of temporary or permanent disability on you and your family, offering you comprehensive disability cover with a lump-sum payment to ensure your continued financial security.

Risk Planning

Severe Illness

No-one knows what life has in store for them, and the sad fact is that severe illness could strike at any time. Being prepared is the only solution – prepared for the cost of being absent from work during recovery, being cared for at home while ill, potentially modifying your lifestyle and your home, and even perhaps taking early retirement due to ill health. Our Severe Illness Benefit is all the reassurance you need, should you become severely ill, paying out a lump sum and pays multiple claims for related and unrelated events regardless of the severity.
When choosing your level of cover you should consider any outstanding debt and other liabilities that you would have to settle if you were to become severely ill.
The Severe Illness Benefit covers all major body systems and automatically includes severe illness cover. You can choose to have your policy cover up until the age of 65, or for your entire lifetime.

Risk Planning

Retrenchment Protection

Have you thought about what you and your family will do if you are retrenched? Will you be able to survive financially? You might want to consider protecting yourself with a Retrenchment Benefit.

It pays you up to six months’ income if you are retrenched from your job and become unemployed.


Contact Details

JW ELS Corporate & Individual Brokers CC

+27 11 425 3344

The Hub @ M44, 37 Miles Sharp Str, Rynfield, Benoni, 1501

Mon-Thu: 8am-16:30pm

Fri: 8am-15:00pm

Need advice? Contact us

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